Personal loans in Huntington, NY
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Huntington, NY.
The median household in Huntington earns $168,095 a year, 96% above the New York median of $85,974. About 4% of residents live below the federal poverty line, and 14.1% of households rent their home.
New York law that applies in Huntington
| Rate cap | A licensed lender may charge more than the 16% civil usury rate allowed to unlicensed lenders, but loans above 25% a year are criminal usury. |
|---|---|
| License required | A license is needed to be in the business of making personal, family, household or investment loans of $25,000 or less (or business loans of $50,000 or less) at a rate above what an unlicensed lender may charge. |
| Loan sizes covered | Consumer loans of $25,000 or less; business and commercial loans of $50,000 or less. |
Full rules with statute citations: Personal Loans in New York. Cities in New York cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Huntington
Lenders that serve Huntington typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Huntington
What Huntington borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Huntington
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Huntington
10 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of America, National Association | 1 | 250 Main St, Huntington 11743 |
| ConnectOne Bank | 1 | 253 New York Ave, Huntington 11743 |
| JPMorgan Chase Bank, National Association | 1 | 350 Main St, Huntington 11743 |
| Citibank, National Association | 1 | 349 Main St, Huntington 11743 |
| Citizens Bank, National Association | 1 | 355 W Main St, Huntington 11743 |
| Dime Commercial Bank | 1 | 337 Main St, Huntington 11743 |
| Wells Fargo Bank, National Association | 1 | 288 Main St, Huntington 11743 |
| Manufacturers and Traders Trust Company | 1 | 182 E Main St, Huntington 11743 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Huntington
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Teachers | 211 E Main St, Huntington 11743 |
| Fourleaf | 33 Gerard St, Huntington 11743 |
| Jovia Financial | 356 New York Ave, Huntington 11743 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Suffolk County ·
Frequently asked questions
Can I get a personal loan with bad credit in Huntington?
Possibly. Lenders in our network consider applicants with fair and bad credit across New York, including Huntington. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Huntington, NY?
Licensed lenders may exceed 16% civil cap; 25% criminal usury applies.
How fast can I get a personal loan in Huntington?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
How do I apply for a personal loan with bad credit in Huntington?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
How can I get an emergency loan in Huntington?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
Where can I find a loan for bad credit in Huntington?
You can apply at local banks and lenders in Huntington, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Huntington residents can see their options in about 3 minutes.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Do I need to visit a store in Huntington?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.